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FHA Streamline Refinance Rates

FHA Streamline Program: Popular When Rates are Falling

For people who are currently in an FHA loan, when the FHA rates drop, the most popular FHA loan program is the FHA streamline refinance. The FHA streamline refinance program allows eligible FHA borrowers to take advantage of lower rates if they are available without requiring that they completely re-qualify for a new loan.

The easiest way to get the best deal on an FHA streamline is to shop multiple lenders. Shopping lenders is easy and free – lenders are able to quote your file with just a little bit of information. Getting the best deal is as simple as getting a quote from multiple lenders and then comparing who has the best deal. Here is a list of lenders who can help you with getting an FHA streamline quote:



FHA Streamline Refinance Rates: Be Sure To Lock

When you qualify for the FHA streamline refinance, you are not guaranteed your rate until you actually lock. Many times throughout the day, FHA streamline refinance rates change, and until you lock – well, your rate may go up or down depending on the market. Most lenders will allow you to lock your FHA streamline refinance rate once the initial documentation has been signed.  Some lenders will allow you to lock, but will charge a “loan application” fee or a “loan commitment” fee.

Most lenders will not charge lock fees or application or commitment fees — but they may require that you sign all of the initial FHA disclosures prior to your locking your FHA streamline refinance rate with them.

Save The Most Money Possible – One Simple Trick

There is one simple thing that you can do to save the most money on the FHA streamline program – shop multiple lenders! By shopping multiple lenders, you position yourself to have the best possible deal regarding rates and fees put in front of you. Sure, the big banks offer the FHA streamline program, but they don’t always have the best deal – and as long as you work with an approved FHA lender, you can be sure that the FHA will insure your loan and you can get the lowest rate possible.

Ready for the next step in the FHA streamline process?

Get started by getting a free FHA streamline quote right here!

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IMPORTANT MORTGAGE DISCLOSURES:

When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.

Copyright © Mortgage.info is not a government agency or a lender. Not affiliated with HUD, FHA, VA, FNMA or GNMA. We work hard to match you with local lenders for the mortgage you inquire about. This is not an offer to lend and we are not affiliated with your current mortgage servicer.

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